What’s an SR22, and Why Do I Need One?
What’s an SR22, and what does it have to do with driving?
Pop quiz: What’s an SR22?
- A type of military jet
- A new form of birth control
- A certificate of insurance related to vehicle coverage
- A seldom-used tax form
If you’re paying attention, you probably guessed an SR22 has something to do with car insurance. But do you really know what an SR22 is? And what does it have to do with legally being able to drive?
It’s better to know what an SR22 is before you’re required to get one. Here are some answers.
An SR22 makes you legal
An SR22 is a certificate of insurance that shows you’re meeting your state’s car insurance requirements for a specified amount of time. In insurance jargon, it shows that you’re carrying at least the minimum liability coverage required by the state where you live.
While some people refer to SR22 as insurance, it’s not. You won’t get a check from your insurance company if something bad happens because you have an SR22. An SR22 is technically a Certificate of Financial Responsibility (CFR), and needs to be provided to your state’s Department of Motor Vehicles (DMV).
Why would I need an SR22?
The reasons for needing an SR22 vary by state, and not all the reasons are listed here. The most common reasons for an SR22 are as follows:
- Multiple DUI or DWI convictions
- Reckless driving
- At-fault accidents
- Driving without insurance
- Driving with a suspended license
What does an SR22 cost, and how do I get one?
You can obtain an SR22 by indicating you need an SR22 filing with your insurance company. However, not all insurance companies offer SR22s. For those insurance companies that do, they can file the SR22 for you. Some insurance carriers, like Dairyland®, will file your SR22 electronically for free. Other companies might charge additional fees.
What does an SR22 cover?
Specifics vary by state, but in general, an SR22 doesn’t determine your coverage—what you purchased on your car insurance policy does that. Again, essentially an SR22 is a promise your insurance company makes to the state that they will provide the state minimum requirements.
How long do I need to keep an SR22?
The timeframe varies by state, but for the most part, you need to keep an SR22 in place for three years. Not doing so, or letting your insurance policy lapse in the process, may result in your license being suspended. How can you prevent your SR-22 from cancelling? Simple. Pay your insurance premiums on time.
If you need an SR22, do your research and ask your insurance carrier about it. If they don’t offer what you need, they likely will suggest a company for you to work with.
Make an educated decision and stay legal on the road.
Dairyland Auto® property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit DairylandInsurance.com. In Texas, coverages are underwritten by Dairyland County Mutual Insurance Company of Texas, Austin, TX. In California, coverages are underwritten by Viking Insurance Company of Wisconsin, Stevens Point, WI. Policies, coverages, benefits, and discounts are not available in all states. Savings based upon all available discounts. See your policy for complete coverage details.
This document is made available by Sentry Insurance a Mutual Company and its subsidiaries and affiliates (collectively “SIAMCO”) with the understanding that SIAMCO is not engaged in the practice of law, nor is it rendering legal advice. The information contained in this document is of a general nature and is not intended to address the circumstances of any particular individual or entity. Legal obligations may vary by state and locality. No one should act on the information contained in this document without legal advice from competent and licensed local professionals.